Logo - American Financial Services Association

2010 - Speakers

BRETT J. ASHTON, Of Counsel, Krieg DeVault

Mr. Ashton serves in an Of Counsel capacity at Krieg DeVault and is a member of the firm's Governmental Affairs and Financial Institutions practice groups. He represents Krieg DeVault as a key member of the firm's legislative and executive branch lobbying team focusing on the financial services industry.

Prior to joining Krieg DeVault, Mr. Ashton served as a representative for legislative and regulatory interest of all American International Group companies in a mid-west three state region. Additionally, Mr. Ashton was also responsible for managing legislative strategy and policy development for AIG's multi-billion dollar consumer lending operations in all 50 states, Puerto Rico and the US Virgin Islands.

Mr. Ashton is a graduate of Indiana University School of Law - Indianapolis and Ball State University.

C. STEVEN BAKER, Director, Midwest Region, Federal Trade Commission

Steven Baker is Director of the Federal Trade Commission's Midwest Region in Chicago, a position he has held since 1988. The Region covers the central United States, and the office concentrates on consumer fraud matters such as telemarketing and spamming. Mr. Baker recently received the Consumer Advocate of the Year award from the National Association of Consumer Agency Administrators.

Steve Baker joined the Federal Trade Commission in Washington, D.C. in 1982 as a staff attorney in the Bureau of Consumer Protection, where he was engaged in Federal Court cases involving telemarketing fraud. He later served as an attorney advisor to Chairman James C. Miller III and Chairman Daniel Oliver. Prior to joining the FTC, Mr. Baker served as a law clerk to U.S. District Judge D. Brook Bartlett in Kansas City, Missouri.

Mr. Baker is a graduate of Missouri Valley College, and obtained his law degree from the University of Iowa College of Law. He is a member of the bar of the State of Iowa.

MIKE CALHOUN, President, Center for Responsible Lending

Mike Calhoun is President of the Center for Responsible Lending (CRL), a nonprofit, nonpartisan research and policy organization dedicated to protecting homeownership and family wealth by promoting access to fair terms of credit for low-wealth families. Mr. Calhoun has testified on the federal level in both the U.S House of Representatives and the U.S. Senate. He also currently serves as vice chair of the Federal Reserve Board's Consumer Advisory Council. CRL is an affiliate of the Center for Community Self-Help, a nonprofit community development lender, for which Mr. Calhoun has served as General Counsel. He also previously managed Self-Help's home loan secondary market and real estate development programs. Mr. Calhoun has specialized in consumer law for more than twenty five years. He has made presentations on predatory lending issues to many organizations, including the FDIC and the National Association of Attorneys General.

Mr. Calhoun holds a B.A. in economics with honors from Duke University and a law degree from the University of North Carolina.

JEFF CASH, Vice President of Industry Relations, Wells Fargo

Jeff Cash is Vice President of Industry Relations for Wells Fargo. Jeff is member of the Board of Directors of AFSA and currently serves as Chair of the State Government Affairs Committee. With over thirty years experience in consumer and commercial finance, the past twenty years has been at Wells Fargo. Jeff received his B.A. in Economics from the University of Northern Iowa, and his MBA from the University of Iowa.

ROBERT A. COOK, Managing Partner, Hudson Cook, LLP

Robert Cook, managing partner of Hudson Cook, LLP, practices in the area of Consumer Financial Services, representing nationwide lenders and investors in establishing new programs and products, conducting due diligence and compliance reviews. He also advises with regard to class action lawsuits based on alleged violations of consumer protection statutes.

Robert is a member of the American Financial Services Association Law Committee where he serves as Counsel to the Home Equity Subcommittee, has served as a member of the Federal Reserve Board Consumer Advisory Council and was the Chairman of its Consumer Credit Committee. He also is a founding member of the American College of Consumer Financial Services Lawyers.

Robert is a graduate of Georgetown University Law Center (J.D. 1981) and Washington and Lee University (B.A. 1975).

RICK D. COX, President, Sullivan Automotive Group

Rick is an extremely motivated businessman. He currently owns six new car franchises which include Chevrolet, Buick, GMC, Chrysler, Dodge and Jeep. Mr. Cox is the number one used vehicle dealer in his area and is striving to become the number one new vehicle dealer as well. Mr. Cox is a member of one of the most successful NADA Twenty Groups and plans to sit on the board of directors in the near future. Serving the community has always been a true passion of Rick's. He currently sponsors and supports St. Judes Childrens Research Hospital, Indiana State University Athletics, Sullivan High School and several community sports teams.

JOE CRIDER, Supervisor of Consumer Credit, Missouri Division of Finance

Joe Crider has been the Supervisor of Consumer Credit, Missouri Division of Finance since 2005. Mr. Crider has supervised Missouri banks and consumer lenders in the area of consumer compliance. His duties include supervision and training for all field examiners and office staff as well as examination and enforcement of compliance laws. Prior to his supervisory role, Mr. Crider worked as a field examiner within the Division of Finance. Before beginning his career as an examiner Mr. Crider worked in the consumer finance and banking industry for nearly fifteen years in four states.

CHUCK CROSS, Vice President for Mortgage Regulatory Policy, Conference of State Bank Supervisors

Chuck Cross is the Vice President for Mortgage Regulatory Policy for the Conference of State Bank Supervisors. His area of emphasis is mortgage regulatory policy, which includes development of examination protocols, state legislation and support for coordinated multi-state supervision.

Chuck is the former Director of the Washington Department of Financial Institutions Division of Consumer Services. Prior to his promotion to Director in 2003, Chuck was the Division's Enforcement Chief where he was responsible for over 200 regulatory enforcement actions and criminal referrals in Washington State. He was one of the key investigators and negotiators in the 2002 Household Finance case and the 2006 Ameriquest Mortgage case, two of the largest predatory lending cases in history.

SUSAN HANCOCK, Deputy Commissioner, Virginia State Corporation Commission's Bureau of Financial Institutions

Susan Hancock is a Deputy Commissioner with the Virginia State Corporation Commission's Bureau of Financial Institutions. She is in charge of the Bureau's Consumer Finance and Mortgage Section which is responsible for the regulation of approximately 2,000 non-depository institutions including mortgage lenders, mortgage brokers, consumer finance companies, debt management companies and payday lenders. She has been with the Bureau since 1987.

Susan currently serves as President of the National Association of Consumer Credit Administrators (NACCA). She is also a past president of the American Association of Residential Mortgage Regulators (AARMR) and a recipient of AARMR's Distinguished Service Award. She received a Bachelor of Science degree in Finance from Virginia Tech.

KARL F. KAUFMANN, Partner, Sidley Austin, LLP

Karl F. Kaufmann's practice focuses primarily on regulatory and legislative issues affecting financial institutions, with an emphasis on retail banking. He spends much of his time concentrating on issues pertaining to privacy, payment systems, consumer loan products and consumer bankruptcy. Mr. Kaufmann received his J.D., cum laude, from the Georgetown University Law Center in 2001. He received his B.A. from Yale University in 1994. Prior to joining Sidley, Mr. Kaufmann was Legislative Director to Congressman Bill McCollum (R-FL), then the Vice Chairman of the House Banking Committee (now called the Financial Services Committee).

SIMON KEYMER, Founder and Chief Executive, Keymer, Inc.

Simon Keymer is the founder and Chief Executive of Keymer, Inc, a US based strategic communications firm, specializing in public affairs, corporate communications and crisis handling for clients worldwide. Mr. Keymer's expertise lies in the development and implementation of programs that increase profile and prestige, manage complex issues and allow clients to carve out and dominate positions within their social, regulatory, and political environments.

Prior to founding Keymer, Simon worked to establish the Washington DC office for business communications firm Financial Dynamics, and in the Public Affairs practice at Fleishman Hillard. He has also worked for strategy.gov, a government relations agency and, in London, for the Institute of Chartered Accountants in England and Wales.

Mr. Keymer is a former British Army officer. He is a graduate of London University (Politics) and the Royal Military Academy at Sandhurst.

WILLIAM N. LUND, Superintendent, Maine Bureau of Consumer Credit Protection

Will Lund is Superintendent of Maine's Bureau of Consumer Credit Protection. A graduate of Bowdoin College and the University of Maine Law School, he worked in private practice and for the Maine Attorney General's Office prior to assuming his current position in 1987. Mr. Lund has served as Chair of the Federal Reserve Board's Consumer Advisory Council in Washington, DC and is a current member of the Federal Reserve Bank of Boston's New England Consumer Advisory Group.

PATRICK MADIGAN, Assistant Attorney General, Iowa

Patrick Madigan is an Assistant Attorney General for the State of Iowa where he works full time on mortgage issues. Mr. Madigan was the national leader of the multi-state Executive Committee that reached a $325 million settlement with Ameriquest Mortgage Company and a lead negotiator in the multi-billion dollar settlement with Countrywide Financial Corporation in October 2008. Along with Attorney General Tom Miller, Mr. Madigan is currently leading a multi-state task force of Attorneys General offices and state banking departments on the foreclosure crisis. In June 2008, Mr. Madigan was awarded the "Marvin Award" by the National Association of Attorneys General for outstanding leadership, expertise, and achievement in advancing NAAG's goals.

Mr. Madigan is a 1994 graduate of the University of Iowa (Phi Beta Kappa) and a 1998 graduate of the University of Iowa College of Law, where he graduated first in his class.

KELSIE MOORE, Deputy Attorney General, Office of the Indiana Attorney General

Kelsie E. Moore is a Deputy Attorney General with the Office of the Indiana Attorney General. She recently joined the Consumer Protection Division, in the Professional Licensing and Homeowner Protection Unit. This section investigates consumer complaints concerning licensed professions and mortgage fraud in Indiana and then files administrative and civil actions if appropriate. Kelsie spends a large majority of her time focusing on consumer complaints related to fraudulent foreclosure consulting. Prior to joining the Office of the Attorney General, Kelsie worked for over three years as a staff attorney with the Indiana Department of Child Services in Marion County.

APRIL PARK, Senior Vice President and General Counsel, CitiFinancial, Inc.

April Park serves as Senior Vice President and General Counsel for CitiFinancial, Inc. Before joining CitiFinancial, Ms. Park was a partner at the law firm of Niles Barton & Wilmer. At Niles, April represented banks, credit card issuers, commercial lenders, insurance companies and various other businesses. Ms. Park earned her undergraduate degree from Western Maryland College, Magna Cum Laude, Phi Beta Kappa, and her law degree from the University of Maryland, with honors.

STUART K. PRATT, President and CEO, Consumer Data Industry Association

Stuart K. Pratt is President and CEO of the Consumer Data Industry Association, headquartered in Washington. CDIA is the international trade association representing over 300 consumer data companies that provide fraud prevention and risk management products, credit and mortgage reports, tenant and employment screening services, check fraud and verification services, and collection services to hundreds of thousands of customers across the United States and the globe.

Mr. Pratt leads a talented team of public policy experts and is the industry's principal spokesman. He testifies regularly before the U.S. Congress, represents the industry in the international market and interacts with the major media outlets including CBS, NBC, Fox, CNN, Reuters, The New York Times, The Washington Post and The Wall Street Journal.

Mr. Pratt has advised presidential and gubernatorial task forces on the importance of the free flow of information to the U.S. economy, and represented the industry as an advisor to the U.S. Department of Commerce on European Union-U.S. Safe Harbor negotiations. Pratt has participated in World Bank forums on credit reporting in developing economies and counseled private and government entities overseas on credit reporting issues. He speaks frequently on the subjects of consumer data law, policy and business practices at domestic and international forums, including most recently programs in Cape Town, Beijing and Berlin.

Mr. Pratt currently serves on the U.S. Chamber of Commerce's Committee of 100 and on the Advisory Council for the National Foundation for Credit Counseling. He received his Bachelor's Degree from Furman University in Greenville, SC., and conducted his graduate studies in business at the University of Maryland.


Deborah M. Robertson is a member in the Albany office of McGlinchey Stafford PLLC, where she centers her practice in the areas of banking law and consumer financial services law with a focus on mortgage lending, manufactured housing and 50-state licensing and regulatory compliance. Deborah advises financial institutions regarding consumer financial services issues, manufactured housing financing issues, licensing, regulatory compliance, legislative matters and documentation.

JAMES R. SHEERAN, General Counsel, Tidewater Finance Company

Jim Sheeran has been Tidewater Finance Company's General Counsel since 1999. Jim has been lead counsel in significant cases, such as: Tidewater Finance Company v. Kenney, 531 F.3d 512 (4th Cir. 2008); In re Moffett, 356 F.3d 518 (4th Cir. 2004); In re Kalter, 292 F.3d 1350 (11th Cir. 2002).

Jim is a member of the American Financial Services Association Law Committee where he serves as Subcommittee Chair. He is also a Panel Member of the 2007 Federal Trade Commission Workshop, Collecting Consumer Debts: The Challenges of Change. Jim is the author of AFSA's comment on FDCPA (2007) and of the Bankruptcy Law Section Newsletter of the Virginia State Bar on Repossessed Vehicles in Chapter 13 (2002).

Jim received his Bachelor of Arts, cum laude, from George Mason University, and his Juris Doctor degree from Marshall-Wythe School of Law, College of William & Mary. Mr. Sheeran is a member of the Virginia State Bar and served in the U.S. Army.

CHRIS STINEBERT, President and CEO, American Financial Services Association

Chris Stinebert is President and Chief Executive Officer of the American Financial Services Association. Previously, he served as President and Chief Executive Officer of the Manufactured Housing Institute (MHI) and the National Concrete Masonry Association (NCMA). Mr. Stinebert has 30 years of knowledge and experience in managing national trade associations with key highlights in government affairs and advocacy; strategic planning and implementation; technical standards and regulations; and economic and statistical data collection.

MARGUERITE WATANABE, President, Connections Insights

Marguerite's experience as an auto industry professional spans over twenty years. In 2006, she formed Connections Insights to focus on strategic partnering between auto finance sources and their business partners. She is also the Director of International Programs for the Automotive Dealership Institute.

Prior to forming Connections Insights, Marguerite managed the Auto Finance Practice at BenchMark Consulting International and the sales efforts at Equifax as SVP for the Automotive Division. Additionally, she spent ten years with Nissan North America and Nissan Motor Acceptance Corporation in the U.S. and Japan.

Marguerite earned her BA from the University of California, Berkeley and her MBA from Pepperdine University. She serves on the AFSA Vehicle Finance Board and the Associate Member Advisory Board. Marguerite also sits on the Board of Directors and Executive Committee of the National Auto Finance (NAF) Association.

MARK ZANDI, Chief Economist, Co-Founder, Moody's Economy.com, Inc.

Mark Zandi is Chief Economist and co-founder of Moody's Economy.com, Inc., where he directs the company's research and consulting activities. Moody's Economy.com is an independent subsidiary of the Moody's Corporation and provides economic research and consulting services to businesses, governments and other institutions. Mark's research interests include macroeconomic, financial, and regional economics. Recent areas of research include studying the determinants of mortgage foreclosure and personal bankruptcy, an analysis of the economic impact of various tax and government spending policies, and an assessment of the appropriate policy response to bubbles in asset markets. In addition, Mark conducts regular briefings on the economy. He is frequently quoted in national and global news outlets. Dr. Zandi received his Ph.D. at the University of Pennsylvania, where he did his research with Gerard Adams and Nobel Laureate Lawrence Klein, and he received his B.S. from the Wharton School at the University of Pennsylvania.

© 2006-2007 American Financial Services Association